Audit Planning
• Contribute to the development of the risk based annual internal audit plan, informed by the audit universe, enterprise risk assessment, regulatory focus areas and emerging risks.
• Assess and prioritise inherent and residual risks within the Personal Banking Credit portfolio to determine audit scope, coverage and intensity.
• Engage with senior business, risk and compliance stakeholders to obtain an understanding of strategy, key changes, issues and risk exposures.
• Define clear audit objectives, scope and approach aligned to approved audit methodology and Audit Committee expectations.
• Identify key risks, controls and regulatory requirements to be assessed, incorporating prior audit outcomes and management self identified issues.
• Plan resource allocation, skills requirements and timelines to ensure effective and timely delivery of audit engagements.
• Ensure audit planning is adequately documented, reviewed and approved, and remains responsive to material changes in risk during the year.

 Audit Reporting
• Consolidate and evaluate audit results to form balanced, evidence based conclusions on control adequacy, effectiveness and residual risk.
• Articulate clear, concise audit findings, including root cause analysis, risk impact and linkage to regulatory, conduct and business objectives.
• Prepare high quality draft and final audit reports in accordance with Internal Audit standards, methodology and quality requirements.
• Engage management and senior stakeholders to validate factual accuracy, agree findings and confirm practical, risk appropriate remediation actions.
• Ensure audit opinions, ratings and themes are consistently applied and clearly justified.
• Escalate significant, critical or emerging issues appropriately to senior management, Audit Committee and governance forums.
• Communicate thematic insights and trends across audits to support proactive risk management and governance oversight.
• Finalise and distribute approved audit reports timeously to relevant stakeholders, ensuring clarity of accountability and action ownership.

 Audit Execution
• Execute risk based audit engagements in line with the approved audit plan, scope and methodology.
• Perform walkthroughs and control assessments to evaluate the design and operating effectiveness of key controls.
• Identify, test and validate key risks and controls using appropriate techniques, including interviews, documentation review and data analytics where applicable.
• Apply professional judgement and scepticism to assess control failures, root causes and residual risk.
• Ensure sufficient, reliable and relevant audit evidence is obtained and appropriately documented.
• Engage management throughout execution to discuss emerging issues, confirm factual accuracy and understand root causes.
• Maintain timely delivery, quality standards and adherence to Internal Audit methodology across all engagements.

Management of resources (people, budget and software tools)
• Plan and allocate audit resources effectively, ensuring the right skills and capacity are assigned to audit engagements and priorities.
• Lead, coach and develop audit team members, promoting capability uplift, quality delivery and succession planning.
• Oversee performance, utilisation and workload management to ensure delivery against the approved audit plan and timelines.
• Ensure effective use of audit tools and technologies (e.g. audit management systems, data analytics tools) to enhance audit efficiency and coverage.
• Identify and address capability or tooling gaps, including training needs, specialist support or system enhancements.
• Maintain appropriate governance, access and security controls over audit systems, data and software tools.
• Drive continuous improvement in audit methodologies, tools and ways of working to support a mature and efficient Internal Audit function.
• Plan, manage and optimise audit resources and budgets, ensuring alignment to the approved internal audit plan, capacity constraints and strategic priorities.
• Allocate audit resources effectively, balancing in house capability, co sourcing and specialist skills within approved budget limits.
• Monitor budget utilisation and cost drivers, including staffing, co sourcing and audit tools, with timely escalation of variances or constraints.
• Lead, coach and develop audit team members, ensuring effective performance, capability uplift and succession planning within approved cost structures.
• Ensure effective and cost efficient use of audit software tools and technologies (e.g. audit management systems and data analytics platforms).
• Identify and motivate for budget adjustments where required to address emerging risks, regulatory requests or critical audits.
• Drive continuous improvement and cost discipline across Internal Audit processes, tools and ways of working.

Customer (Stakeholder focus)
• Build and maintain professional, trusted relationships with key business, risk and compliance stakeholders across the Personal Banking Credit portfolio.
• Engage key stakeholders to understand customer related risks, strategic objectives, material issues and emerging concerns.
• Provide independent, objective insight on customer outcomes, conduct risk and fairness arising from credit processes and decisions.
• Ensure audit engagements consider customer impact, including affordability, pricing fairness, arrears treatment and regulatory expectations.
• Communicate audit outcomes clearly and constructively, enabling management to understand customer risks and required improvements.
• Support management through credible challenge and advisory input, while maintaining independence and audit objectivity.
• Promote a customer centric control mindset by reinforcing the importance of fair, compliant and sustainable credit practices.

MINIMUM EDUCATION
• Bachelor’s degree in accounting or Internal Auditing. Professional qualification such as CA(SA), CIA, ACCA or equivalent strongly preferred, with experience applying IIA Standards and King IV principles in practice. 
• Any credit related certifications in the financial services industry.

MINIMUM EXPERIENCE
• 8–10 years’ experience in internal audit, risk management, or assurance within a banking or regulated financial services environment, with at least 4–5 years at Manager / Senior Manager level. 
• Substantial hands on experience in Personal Banking Credit, including unsecured and secured lending, arrears management, collections, restructures, impairments and credit lifecycle controls. 
• Proven experience leading complex, risk based internal audit engagements across credit risk, conduct risk and regulatory compliance, including reporting to Audit Committee or senior executive stakeholders. 
• Strong working knowledge of credit related regulation and standards, including NCA, Treating Customers Fairly (TCF), IFRS 9, Basel credit principles and SARB / PA expectations. 
• Demonstrated experience in assessing credit governance, pricing, underwriting, collections, recoveries and impairment models, including evaluating management actions and sustainability of remediation. 
• Experience managing and coaching audit teams, reviewing audit quality, and driving delivery against an approved audit plan in a complex organisation. 

CRITICAL COMPETENCIES
Technical & Risk Expertise
• Deep understanding of Personal Banking credit products, including unsecured lending, overdrafts, secured lending, collections, restructures and impairments
• Strong command of credit risk management frameworks, lifecycle controls and end to end credit value chains
• Sound knowledge of applicable regulations and standards, including NCA, TCF, IFRS 9, Basel principles and SARB / Prudential Authority expectations
• Ability to assess credit pricing, conduct risk, customer outcomes and affordability controls

Audit & Assurance Capability
• Advanced capability in risk based internal audit planning and execution in complex, high risk banking environments
• Strong application of IIA Standards, King IV principles and group audit methodologies
• Ability to evaluate design and operating effectiveness of controls, sustainability of remediation and residual risk
• High quality audit reporting skills, with the ability to clearly articulate themes, root causes and risk impact

Judgement, Challenge & Insight
• Strong professional judgement to identify material and emerging credit and conduct risks
• Ability to provide robust, independent challenge to senior management while maintaining constructive engagement
• Capability to connect issues across audits into thematic risk insights for Audit Committee and executives

Leadership & People Management
• Proven ability to lead and coach audit teams, review audit quality and manage delivery across multiple engagements
• Strong stakeholder management skills, including interaction with senior executives, ExCo and Audit Committee
• Ability to influence outcomes without direct authority and drive accountability for remediation

Strategic & Business Acumen
• Strong understanding of Personal Banking strategy, growth objectives and associated risk trade offs
• Ability to assess risk implications of new products, pricing strategies, customer remediation and portfolio changes
• Forward looking mindset to identify emerging credit, conduct and regulatory risks

Communication & Executive Presence
• Clear, confident communicator with strong written and verbal communication skills
• Ability to translate complex credit and regulatory issues into clear, decision useful messages for senior audiences
• Professional credibility to represent Internal Audit at senior governance forums

Ethical & Control Mindset
• Strong commitment to ethical conduct, customer fairness and control discipline
• High integrity, independence and adherence to the three lines model